Rewards Checking

Earn interest on your daily collected balance with our premier checking account.  Simply meet the qualifications during the monthly qualification cycles to earn a higher bonus interest rate and receive unlimited nationwide ATM fee refunds.

So what makes it Better-Than-FREE?

  • You can earn a premium of 1.75% APY* on balances up to $25,000
  • FREE unlimited ATM fee refunds**
  • Interest paid monthly on a daily collected balance
  • No minimum balance required
  • No monthly service charge
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay***
  • Free e-Statements
  • Free GoMobile Banking
  • Unlimited Point-of-Sale (POS) transactions
  • Unlimited check writing

So what do you have to do to get Better-Than-FREE Rewards Checking?

During each monthly qualification cycle simply:

  • Have 12 or more Debit Card purchases (POS) post and clear your account
  • Have 1 or more ACH Direct Deposit or ACH Direct Debit post and clear your account
  • Accept online electronic e-Statements delivery

*1.75% Annual Percentage Yield (APY) earned on balances up to $25,000 when the minimum qualifications are met during each monthly qualification cycle; balances over $25,000 earn 0.46% APY. If qualifications are not met during the cycle, the APY on all balances will be 0.05% APY and normal ATM fees will apply. Maintenance or activity fees could reduce earnings. Rates are effective 04/01/2013 and subject to change weekly. **ATM fee refunds are given on all Nationwide ATMs if qualifications are met during the cycle. ***Bill Pay Non-Usage Fee ($5.00 per month) may apply.

The Goodlife Checking

Being a part of CNB is so much more than just checking and savings accounts and working with our customers to meet their financial goals and dreams; it is the personal relationships that we have formed with our customers that makes me proud to be a part of this bank. -Sherra Gillespie AVP & Good Life Director

This account offers extra benefits for our customers age 50 and better to help you save money.  Take exciting trips, enjoy frequent events and start living The Good Life you deserve!

  • No monthly service charge if minimum balance of $100 is maintained
  • Monthly service charge of $7 if below minimum balance
  • Interest paid with a daily collected balance of at least $1,000; higher interest rate paid on daily collected balances above $5,000
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay**
  • Free e-Statements
  • Free GoMobile Banking
  • Free Good Life checks or designer checks at a discount
  • Unlimited check writing
  • Unlimited Point-of-Sale (POS) transactions
  • No issuance fee on Travelers Cheques, Official Checks or Money Orders
  • Discount on Safe Deposit Box Rental with automatic debit
  • Identity Fraud Coverage
  • Credit Card Registration on all major credit cards
  • Walk in Pharmacy Card
  • Eye Care and Eye Wear discounts
  • $100,000 Common Carrier Accidental Death and Dismemberment Insurance*
  • Frequent events and trips
  • Additional benefits available

*Insurance is provided by a well respected national company.  Customer insurance is divided equally on joint accounts.  The insurance is not guaranteed by the FDIC, any Federal government agency, or the bank.** A $5.00 non-usage fee per month will be assessed if bill pay is not used.

Advantage Plus Checking

Our Advantage Plus Checking account offers no required minimum balance, one low monthly service charge, free personalized checks and insurance privileges.

  • No minimum balance required
  • Monthly service charge of $8
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay**
  • Free e-Statements
  • Free GoMobile Banking
  • Unlimited Point-of-Sale (POS) transactions
  • Unlimited check writing
  • Identify theft coverage
  • Credit Card Registration on all major credit cards
  • Walk-In Pharmacy Card
  • Eye Care & Eye Wear discoun
  • $5,000 All Risk Accidental Death and Dismemberment Insurance*
  • $10,000 Personal Auto Accidental Death and Dismemberment Insurance*
  • $50,000 Common Carrier Accidental Death and Dismemberment Insurance*
  • Additional benefits available

*Insurance is provided by a well respected national company.  Customer insurance is divided equally on joint accounts.  The insurance is not guaranteed by the FDIC, any Federal government agency, or the bank. **A $5.00 non-usage fee per month will be assessed if bill pay is not used.

Citizens Simply Checking

“I am proud of what we do for our customers, and what we give back to the communities we serve.”-Regina Carter Banking Officer

This account offers all the basic features you need in a checking account to simplify your life.

  • No monthly service charge if minimum balance of $500 is maintained or with a monthly direct deposit
  • Monthly service charge of $5 if below minimum balance or no monthly direct deposit
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay*
  • Free e-Statements
  • Free GoMobile Banking
  • Unlimited Point-of-Sale (POS) transactions
  • Unlimited check writing

* A $5.00 non-usage fee may apply.

Download our Personal Checking & Savings Accounts Brochure